Paunenge Uchitenga Muri Mabhizimisi Akanaka, Kuparara Kwebasa Market Ndiyo Shamwari Yako
Inowanzova 33 muzana kana kudonha-uye zvekare, iyo ibhizinesi seyakajairika nguva nenguva - uye kamwe-kamwe ivo vabva, vachipika zvose kubva pamatokisi ega ega kuti vaongorore mari . Ndakuudza izvi zvisati zvaitika, uye ini ndichakuudza zvakare, zvakare: Kana iwe uchirarama hutarisiro hupenyu hwese, iwe uchaona huwandu hwehutano hwako hwepakati hurasikirwa kubva kumusoro-kusvika-rough ne50 muzana kana kupfuura kamwechete, zvichida katatu kana kupfuura. Izvo zvikamu zvayo zvicharamba zvichichinja zvakanyanya kupfuura zvakashata kudarika chikwereti chemapurisa sechose, kutanga. Icho chimiro chesi yekambani yechikoro. Haikwanise kudziviswa uye chero munhu anokuudza iwe zvakasiyana, ngaave mutungamiri wezvemari kana mutual fund salesman, zvinoreva nhema kana kusakwanisa. Hapana kana kuenzanirana kana kukodzera kana zvasvika kune dhesi yezvidzidzo. Iwe haufaniri kuisa mari mumatokari kuti uwane upfumi saka kana izvi zvinokutambudza, bvuma kuti hauna kukodzera kubhadhara ivo vanogona kuita nekuita zvakanaka nazvo.
Izvo zvakati, Ndinoda kutaura pamusoro pemitengo yekuwa; kuti iwe, semurimaiti, unofanira kufungisisa sei kana iwe uchiziva zvauri kuita uye kutenga zvinhu zvakanaka. Kuti tiite izvozvo, tinoda kudzokera shure uye taura pamusoro pematokisi akawanda kakawanda kwekanguva.
Nzira Nhatu dzekuita Mubairo wekuva neBhizinesi uye Kuisa muZvondo
Nenzira dzakawanda, kune nzira nhatu dzokuita purofiti yekuita bhizinesi (kutenga kutenga kunongotenga zviduku zvebhizimisi maunowana mabhuku aya akanaka kana kuti, kana iwe uchida, rerekodhi yeCDS - zvichienderana nezvikamu zvingani zve sangano kambani yakaparadzaniswa, mugove wega wega unogamuchira imwe chikamu chepfuma uye umu).
- Mari inopatsanurwa uye kugoverana zvekudzikinura . Izvi zvinomiririra chikamu chebatsiro rakakosha iyo vatungamiri vakasarudza kudzokera kune vadzidzisi.
- Kuwedzera mune bhizinesi rezvemabhizimisi, rinowanzofambidzana nekudzorerazve mari yekuwana mari mumashandisirwo emari kana kupinza chikwereti kana kuenzaniswa kwemari.
- Kuongorora kunokonzera kuchinja mune dzakawanda Wall Street iri kuda kubhadhara mari ye $ 1 muhomwe.
Kana iwe uine pachake bhizinesi rakananga, iwe unogona kubatsira pane imwe nzira, nekuzviisa iwe pabhadharo uye kutora mubhadharo uye kubatsirwa asi iyo ndiyo imwe hurukuro yezuva rakasiyana.
Muenzaniso Wokuenzanisira Pfungwa Iyi
Zvinogona kutarisa zvakaoma, asi hazvisi zvechokwadi. Chimbofungidzira, kwekanguva, kuti iwe ndiwe CEO uye uri kutora chikwereti chebato renzvimbo inonzi fantom Financial Group (PFG). Iwe unobhadhara mari ye $ 5 mamiriyoni ega, uye bhizinesi rakakamurwa kuva mamiriyoni makumi maviri nemamiriyoni ezvitoro zvakakosha, kugovera chimwe chezvikamu izvozvo kusvika kune $ 4 yezvibereko ($ 5 mamiriyoni akaparadzaniswa nemamiriyoni 1,25 mamiriyoni = $ 4 mubhadharo wega wega ).
Kana iwe ukazarura kopi yematafura emupapa mupanhau rako rekuno, unoona kuti mari yechangobva kuwanikwa yeFPG iine madhora makumi matanhatu nehafu. Iko mutengo-ku-kuwanikwa kwehuwandu hwe15 .
Izvi zvinoreva kuti mari imwe neimwe inobhadhara mari, vatengi vanoita sevari kuda kubhadhara $ 15 ($ 60 / $ 4 = 15 p / e chiyero). Inverse, inozivikanwa semari yekukohwa, inokwana 6.67 muzana (inotora 1 uye igoverenge iyo p / e chiyero che15 = 6.67). Nenzira inoshanda, izvi zvinoreva kuti kana iwe waifunga nezveFPG se "kubhadhara chikwereti" kukwereta mutsara kubva kuWarren Buffett , iwe waizowana 6.67 muzana pamari yako usati wabhadhara mitero pane zvikamu chero zvipi zvayo zvaunogona kuwana zvakapa bhizinesi haana kumbokura.
Izvozvo zvinonakidza here? Izvi zvinoenderana nehuwandu hwechidhindo cheUnited States Treasury bond, iyo inonzi i "risina mungozi" mutengo nokuti Congress inogona kugara ichibhadhara vanhu kana kudhinda mari yekudzima izvo zvinosungirwa (mumwe nomumwe ane zvinetso zvake, asi pfungwa iri pano inonzwika) . Kana iyo makore makumi matatu emari yemari yemari inobereka 6 muzana, nei paNyika iwe ungagamuchira chete 0,67 kubva muzana mari yakawanda yekutengeswa kune nengozi dzakawanda maererano nehutano hwakanyanya kudarika?
Ndiyo iyo inofadza.
Kune rumwe rutivi, kana zvikwereti zvaive zvakanyanya, zvingave zvoupenzi kubhadhara mari ye15x mune ikozvino chikwata chekuda kwemazingira. Asi vatungamiri vangave vachizomuka zuva roga roga uye kuratidzira kuhofisi kuti vaone kuti vangakurira sei mari. Unoyeuka kuti $ 5 mamiriyoni mune mari yakawanikwa iyo kambani yako inogadzirwa gore rega rega? Zvimwe zvingashandiswa kuwedzera mabasa kuburikidza nekuvaka matavi matsva, kutenga mabhizimisi anokwikwidzana, kuhaya vamwe vatauri kuvandudza kushandiswa kwevatengi, kana kushambadzira kuparidzira paTV. Muchiitiko ichocho, ngatitii makasarudza kuparadzanisa purogiramu sezvinotevera:
$ 2 Mamiriyoni akadzorerwa mubhizinesi yekuwedzera: Muchiitiko ichi, regai bhanhire rine 20 muzana inodzoka pahutano -yakakwirira zvikuru asi ngatiende nayo kunyange zvakadaro. I $ 2 mamiriyoni ayo akawanazve mari, saka, inofanira kuwedzera purogiramu ne $ 400 000 kuitira kuti gore rinouya, vauye ma $ 5.4 mamiriyoni. Ndiko kuwedzera kwemazana 8 muzana yekambani yakazara.
$ 1.5 mamiriyoni akabhadharwa semari inokonzerwa nemari, inokwana madhora 1.50 pamagetsi. Saka, kana iwe uine zvikamu zana, somuenzaniso, iwe unogona kuwana $ 150 mumakero.
$ 1.5 mamiriyoni anoshandiswa kutengesa zvinhu. Yeuka kuti kune mamiriyoni zana nemakumi maviri emashekero ezvitoro zvakakosha. Kutungamira kunoenda kune imwe nzvimbo yekambani yematareji, uye vanotengesa zviuru makumi maviri nezvishanu zvezvikwama zvavo pachavo pamadhora makumi matanhatu nemakumi maviri ega imwechete ye $ 1.5 mamiriyoni uye vanoiparadza. Zvaenda. Harisipo. Chigumisiro ndechekuti ikozvino kune mamiriyoni 1,225 mamiriyoni ezvikwata zvinowanikwa. Mune mamwe mazwi, sangano rega rega rinomiririra inenge 2 muzana huwandu hwehuwandu mune bhizimisi kupfuura yekare kare. Saka, gore rakatevera, apo purogiramu iri madhora 5.4 mamiriyoni - kuwedzera kwe8 muzana gore pagore - ivo vachaparadzaniswa chete pakati pezvikamu zvemamiriyoni 1,225 vachiita kuti mumwe nomumwe ave nekodzero yekuita $ 4.41 mune purogiramu, kuwedzerwa kwehuwandu hwehuwandu hunosvika 10.25 muzana. Mune mamwe mazwi, pfuma chaiyo yevadzidzisi pazvikamu zvega ega yakakura nekukurumidza kudarika mari yekambani yakazara nokuti iri kuparadzaniswa pakati pevarimi vashomanana.
Kana iwe wakashandisa mari yako ye $ 1.50 negavo mumari inokwana kutenga zvigadzirwa zvakawanda, iwe unogona kunge uchiita zvekudzidzira iwe wega wega wega wega pfuma yako nepamusoro peanenge 2 muzana kana iwe ukazviita kuburikidza nehurongwa hwekubhadhara mari inodhura sarudzo kana kuti mutengesi asina kubhadhara nokuda kwebasa. Izvo, pamwe chete ne10.25 kubva muzana yezviwato muhomwe yega yega, inoguma ne12.25 muzana kuwedzera gore negore pane izvo zviri pasi pekutsvaga. Kana uchitarisana kune imwechete ye 6% Pfuma inobhadhara iyo inofadza chaizvo kuitira kuti iwe ungasvetuka pamukana wakadaro.
Iye zvino, chii chinoitika kana vatengi vachivhunduka kana kuti vachikura zvakare mune tariro? Zvadaro chinhu chechitatu chinotanga - kutengesa kunounza shanduko muWall Street yakawanda inoda kubhadhara mari ye $ 1 muhomwe. Kana vatengesi vakaiswa muzvikamu zvePGG nokuti vaifunga kuti kukura kwaizova kunoshamisa, p / e inogona kuenda kune makumi maviri, zvichiita kuti iwane $ 80 pamudzi weko mutengo ($ 4 EPS x $ 20 = $ 80 muchikamu). Iko $ 1.5 mamiriyoni anoshandiswa pakubhadhara mari uye $ 1.5 mamiriyoni anoshandiswa pakutsvaga zvekugoverwa hakungatengi kutenga mari yakawanda, saka mubhadhari ari kuzopedzisira apedza nehuwandisi hwehuyo nokuti zvikamu zvavo zviri kutengesa pane kuongorora kwepamusoro. Vanozvigadzirira muhomwe huru yavanoratidzira - mushure mezvose, vakatenga sengo ye $ 60 uye zvino iri pamadhora makumi matanhatu ega ega yega yega $ 20.
Zvakadini kana zvinopesana zvichiitika? Zvakadini kana vatengi vachivhunduka, vachitengesa 401k mutual funds, vachikwevera mari kubva mumusika, uye mutengo webhangi yenyu inowira, ichiti, 8x mari? Zvadaro, uri kuita ne $ 40 yematengo. Iye zvino, chinhu chinonakidza apa ndechokuti kunyange zvazvo mutengesi ari kugara pane kurasikirwa kukuru - kubva pamadhora makumi matanhatu nemakumi maviri kubva muzana kusvika pamadhora makumi mana nehafu, achigumbusa 33% kubva pane kukosha kwezvavanenge vachiita, munguva pfupi, vachave vari nani nokuda kwezvikonzero zviviri:
- Izvo zvikwereti zvadzorerwa zvinotenga mamwe mashizha, zvichiwedzera kuwandisa kwekambani iyo muridzi wemari. Uyezve, mari yekugoverwa kwekugovana ichazotenga mamwe mashizha, zvichiita kuti zvikamu zvishomanana zvive pachena. Mune mamwe mazwi, kuwedzera kwekutengeswa kwematengo kunowanikwa, huwandu huri nani mutengi anokwanisa kuwana kuburikidza nekuwanazve zvikwereti uye kugovana zvekudzikinura.
- Vanokwanisa kushandisa mari yakawedzerwa kubva kubhizinesi ravo, basa, mari, mibairo, kana mamwe ma generator emari kuti vatenge mamwe mashizha. Kana vakanyatsotarisa kwenguva refu, kurasikirwa kunofamba munzira munzira shomanana-hazvina basa - ivo vachangoramba vachitenga zvavanoda, kana vakangova nehuwandu hwakasiyana-siyana huno kuitira kuti kana ikambani ichitsvaga nemhaka yekunyadzisa kana chimwe chiitiko, havazoparadzwi.
Kune zviitiko zvishoma zvingakanganisa zvinogona kukonzera matambudziko:
- Zvingaita kuti kana kambani ichinyanya kukoshesa, mutengi angaita bhizimisi yekambani uye edza kuitora, dzimwe nguva pamutengo wakaderera kupfuura mutengo wako wekutenga wega wega wega wega. Mune mamwe mazwi, iwe wakanga wakarurama chaizvo, asi iwe wakadzingwa kunze kwemufananidzo nemutengi mukuru kwazvo.
- Kana bhizinesi rako pachako risina kuchengeteka, ungada kuvuya nemari uye unomanikidzwa kutengesa pakurasikirwa kukuru nokuti hauna mari kune imwe nzvimbo. Ndokusaka iwe usingafaniri kuisa mumusika chero mari inogona kudiwa mumakore mashomanana anotevera.
- Vanhu vanodzokorora unyanzvi hwavo pachavo, tarenda, uye mutsa. Iwe haugoni kusarudza kambani huru nokuti hauna hutano hwemari yekudzidzira kana ruzivo rwemabhizimisi kuti uzive kuti zvipi zvinyorwa zvinokoshesa maererano nekusarura kwekushambadzira kwemari yeramangwana. Iwe unogona kufunga kuti unokwanisa kutarisa kurasikirwa kwaunganidzi paunenge uchitenga mashizha, asi vashomanana chaizvo vanhu vane unhu waro. Ini pachangu, hazvibvumi kuti mwoyo wangu uwedzere kukwidzika kana tikasimuka mangwanani mamwe uye tisati tatanga hofi, hofisi yehofisi iri pasi zvakanyanya munyaya yemaminitsi. Izvo hazvingativhiringidzi nokuti izvo zvatiri kuita ndezvekuunganidza kuunganidza kwenguva yakareba mari-inokonzera umwene huri mufemu dzatinoda kubata kwenguva refu. Tiri kugara tichitenga zvimwe. Tiri kugara tichitorazve zvikomborero zvedu. Uye mazhinji emakambani edu haasi kungotsvaga kukura mune ramangwana asi zvakare kudzikinura zvikamu zvavo.
Ikozvino, izvi zvakanyanya kudarika. Kune zvakawanda, zvizhinji, zvakawanda zvakasati zvamboiswa pano izvo zvingatora muchisarudzo chekuti kana kwete imwe nzvimbo yekutengesa kana kuchengeteka yakakosha yekutsvaga. Yakagadzirirwa kuita chimwe chinhu kunze kwekupa mufananidzo wakajeka wehurukuro yekuti vashandi vezvemari vanogona kufunga sei pamusoro pemusika uye kusarudza humwe hupfumi mukati maro.
Icho chinonyanya kukosha - kumurume ari kutambirwa mutual fund , hedge fund , kana chikwereti chekodhiyo nemari shoma yemari, madonhwe makuru mumusika inogona kuparadza zvose kumatare avo anokosha uye kuchengetedzwa kwebasa ravo. Kune vhizimisi uye mabhizimusi vanofunga nezvokutenga mashizha sekuwana pfuma yegazvi mumakambani, vanogona kuva mukana unoshamisa wekukura mumatare ako anokosha zvikuru.
Sezvo Buffett akati, haazive kana misika ichave yakakwirira, kana pasi, kana kumativi pamwedzi kana kana makore mashomanana kubva zvino. Asi iye anoziva kuti kuchava nezvinhu zvakangwara zvokuita panguva ino. Haasi zvinhu zvose zvinotambudza uye dambudziko - dhora raiwa rave riri chinhu chakanakisisa kune makambani akawanda emarudzi akadai seCoca-Cola, General Electric, Procter & Gamble, Tiffany & Company, nezvimwewo zvinogona kutumira mari kubva kumakungwa kwekunze kwemahombekombe kusvika kubirima . Ingoyeuka - kune mutengi uye mutengesi wezvinhu zvose zvemari. Mumwe wemapato aya haana kunaka. Nguva ichareva kuti ndiani akawana basa iri nani.
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